How much can I borrow for pre-sale improvements?

Loan amounts typically range from $10,000 to $200,000, depending on your property value and the expected return on improvement. We assess each application based on the property and planned works.

What interest rate applies to pre-sale improvement loans?

Rates typically start from 0.8% per month. The exact rate depends on your property, loan amount, and expected sale timeframe. Interest is only charged for the time funds are outstanding.

How long do I have to repay the loan?

Pre-sale improvement loans are typically for 3-12 months, designed to cover the period from improvement through to property sale and settlement.

What if my property takes longer to sell than expected?

We understand property sales can take time. Extensions are available if needed, and we work with you to manage the loan through to settlement.

Can I combine this with other vendor finance products?

Yes, pre-sale improvement loans can be combined with home staging finance and property marketing credit for a complete vendor finance package.

Pre-Sale Improvements Loan

Finance renovations and improvements before selling your property. Increase your sale price and repay the loan from settlement proceeds.

8+Years Experience

Award-WinningBroker

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Key Features

Renovation Finance

Fund kitchen, bathroom, and cosmetic upgrades

Repairs & Maintenance

Fix issues that could reduce your sale price

Repay at Settlement

Loan repaid from property sale proceeds

Fast Approval

Quick access to funds to start work immediately

Client Testimonials

Hear from our satisfied clients

5(53 Google Reviews)

“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”

Terry M.

Refinancing

“The experience was straightforward - nothing was too difficult and any request was handled promptly by Nick.”

Gabi Y.

Home Loan

“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”

Nayer G.

Investment Property

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Maximise Your Sale Price

Strategic improvements before selling can significantly increase your property value. From fresh paint and new flooring to kitchen and bathroom updates, the right improvements can deliver returns far exceeding their cost.

Pre-sale improvement loans let you make these upgrades without upfront cash, with repayment coming directly from your sale proceeds.

What Can Be Financed

Our pre-sale improvement loans cover a wide range of work including painting and decorating, landscaping and garden improvements, kitchen and bathroom renovations, flooring replacement, repairs and maintenance, and cleaning and decluttering.

We can also finance larger structural improvements where they make commercial sense for the expected sale price increase.

How It Works

Apply for finance before listing your property. Once approved, funds are available to pay contractors directly or reimburse you for completed work. The loan is repaid when your property sells, with interest calculated only for the time funds are used.

This means you can present your property in its best condition without impacting your current cash flow.

Discuss Your Pre-Sale Improvements Loan Needs

Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.

Apply Now 0480 521 605

Frequently Asked Questions

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0480 521 605 nicholas@andorraprivate.com.au